Mobile Banking Security

First Citizens is committed to protecting your confidential account information, and uses many different best-practice security features to keep your information safe, including:

  • 128 bit SSL encryption, similar to what is used in online banking, encrypts and protects any transmission of data including sensitive account information
  • Strong firewalls protect you from unauthorized or malicious intrusion
  • Automatic account lock-out protection prevents unauthorized access after three incorrect login attempts from your mobile device
  • Multifactor authentication requires you to answer a variety of security questions at first-time login and when you initiate any payment activities that move money outside of your First Citizens accounts, including bill payments
  • Partial, or masked, account numbers prevent anyone from looking at your mobile device without your permission or obtaining your entire account number
  • Mobile apps automatically close when you navigate to another application on your smartphone, which prevents the application from running in the background and allowing others who may access your phone to view your accounts and balances

There are also a variety of steps you can take to further protect your mobile banking experience, including:

  • When downloading mobile apps, only download the First Citizens Mobile Banking app directly from Google Play for Android, and the App Store for iPhone, and not from any 3rd parties who may try to post download links
  • Protect your Mobile Banking password and do not reveal it to anyone
  • Memorize your password - never store it on your mobile device or write it on paper that you keep near your phone or carry with you
  • Do not choose passwords that incorporate your name, telephone number, address or birthday or those of any close friend or relative
  • Never leave your mobile device unattended
  • Use your phone's built-in lock function - set up password protection for startup or time-out
  • Routinely clear your text message history if you use Text Banking

If your phone is lost or stolen, it is unlikely that someone could access your account information unless they also know your Mobile Banking username and password. No personal information from your Mobile Banking account is ever stored on the phone. Your password is never stored. However, to be safe, you should contact First Citizens as soon as possible by calling 888-612-4444. Our agents can assist you in suspending or deregistering your mobile banking account. You should also contact your mobile carrier.

For more tips on how you can help protect the security of your information, visit our Mobile Banking Frequently Asked Questions page.

First Citizens does not charge a fee to use our mobile banking service. Check with your wireless carrier for message and data rates that may apply.

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